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honor to introduce our incoming chair, bob dickerson, from the birmingham business center. and i want to welcome him to introduce our keynote speaker, a good friend of the national community reinvestment coalition, richard cordray. so, please, join me in welcoming bob dickerson. [applause] >> thank you, john. good morning. >> morning. >> so, you know, it used to be rude to have your cell phones out during a meeting, but now since we're all tweeting -- [laughter] using that hash tag -- what is it -- just economy, you may feel free to do so, okay? well, good morning, everyone. we are very happy to have richard cordray, the director of the consumer financial protection bureau at the 2013 ncrc >> the cfpb has emerged as a strong protecter for consumers from their implementation of dodd-frank to the agency's enforcement of actions against credit card companies like capital one for their deceptive practices. i thought i'd get something on that. all right, there we go. they had a tremendous year in 2012, and we know that they're going to continue that extraordinary work. so prior to his serv
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